Town & County Financial Services Personal Protection

Income Protection Cover

Through illness or injury, your income can be protected with Income Protection Cover. When your income is important, it's certainly worth protecting.

Income Protection Cover pays you a regular income if you can’t work due to ill health or accidental injury, and the benefit starts after an agreed period of time, called a deferred period.

The deferred period is the amount of time that must pass between your first day off work and the point at which you can start to receive benefit payments. The longer the deferred period you choose, the lower your premiums will be. So, if your employer provides sick pay for a period of time, you may be able to delay when you want your benefit to start by selecting a longer deferred period.

Protecting your future finances is an important consideration. For many though, this can be confusing, and everyone's protection needs are different which is why it is important to understand what the right cover is for you.

Income protection pays out if you can't work and suffer a loss of earnings due to ill health or accidental injury and can offer real peace of mind at a time when you may be otherwise preoccupied by health concerns.